Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews Write a review

About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Easy

Very easy to use and easy to repay Reviewed on: 26th January 2022

Reliable helpful

I couldn’t get credit many places and I have been trying to build my credit score and the zopa credit card has given me a chance to get my credit score up by accepting me for a credit card I have already seend my score go up by 30/40 points in the last few months. No issues with the card or making payments very easy app to use. Appreciate all their help. Reviewed on: 26th January 2022

zopa credit card is the best in the uk.

very easy to use with little interest. Reviewed on: 26th January 2022

Simple to use, excellent service

Simple to use, excellent service, easy App. So nice to be given a chance Reviewed on: 26th January 2022

Customer focus

Their services are aimed solely at customer satisfaction. 5 star for me Reviewed on: 26th January 2022

Amazing

Great customer service, kept informed about my application even when requesting further information. Highly recommended. Reviewed on: 26th January 2022

Excellent and so easy to use.

Only company to trust me. Very easy to make payments reasonable interest rates. Reviewed on: 26th January 2022

Easy to use. They explain everything.

It’s helped with my credit score and provided me with a safety net for emergencies. It’s easy to then pay off. Reviewed on: 26th January 2022

Fantastic credit card

Great company with friendly helpful staff Reviewed on: 26th January 2022

Very easy

I find the Zopa credit card so easy to use and pay any funds I need to onto it. Zopa is the only card I know that funds are available instantly not having to wait up to 5 days. Reviewed on: 26th January 2022

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Select Credit Card
from Nationwide 3.62 from 13 reviews
Partnership credit card
from John Lewis 2.06 from 899 reviews
Platinum Credit Card
from Lloyds Bank 4.23 from 57 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub